Insurance coverage, explained
Not sure what you need? Start with your business or household and we’ll guide you.
General liability answers the everyday claims a business faces — a customer hurt on your premises, property you damage, or a libel or slander claim.
Protection against claims from third parties who claim your organization caused them harm.
Availability, eligibility, limits, exclusions, conditions and coverage terms vary by insurer, policy form, endorsement, jurisdiction and individual risk. This is general information, not insurance, legal or tax advice.
Explore General Liability →Protects your board members and executives against claims alleging wrongful acts in managing the organization.
Shields board members and executives from personal liability for decisions made on behalf of the organization.
Availability, eligibility, limits, exclusions, conditions and coverage terms vary by insurer, policy form, endorsement, jurisdiction and individual risk. This is general information, not insurance, legal or tax advice.
Explore Directors & Officers (D&O) →Financial protection from employee lawsuits alleging harassment, wrongful termination, or discrimination.
Protects against employee lawsuits alleging harassment, wrongful termination, or discrimination.
Availability, eligibility, limits, exclusions, conditions and coverage terms vary by insurer, policy form, endorsement, jurisdiction and individual risk. This is general information, not insurance, legal or tax advice.
Explore Employment Practices Liability →Coverage for data breaches, ransomware, network intrusions, privacy liability, social engineering and funds-transfer fraud.
Modern protection for data breaches, ransomware, phishing attacks, and other digital threats.
Availability, eligibility, limits, exclusions, conditions and coverage terms vary by insurer, policy form, endorsement, jurisdiction and individual risk. This is general information, not insurance, legal or tax advice.
Explore Cyber Insurance →Protects buildings, equipment, inventory and furnishings against covered causes of loss such as fire, wind, hail, theft and vandalism. Flood and earthquake are generally excluded and arranged separately.
Protects buildings, equipment, inventory, and furnishings against covered causes of loss such as fire, wind, hail, theft, and vandalism.
Availability, eligibility, limits, exclusions, conditions and coverage terms vary by insurer, policy form, endorsement, jurisdiction and individual risk. This is general information, not insurance, legal or tax advice.
Explore Commercial Property →Coverage if your organization is sued for mistakes, negligence, or failure to deliver professional services.
Coverage if your organization is sued for mistakes, negligence, or failure to deliver professional services.
Availability, eligibility, limits, exclusions, conditions and coverage terms vary by insurer, policy form, endorsement, jurisdiction and individual risk. This is general information, not insurance, legal or tax advice.
Explore Professional Liability (E&O) →Workers' compensation pays an injured employee's medical bills and part of their lost wages, and in exchange shields you from most work-injury lawsuits. Whether you must carry it depends on your employee count and industry.
Covers employee injuries and work-related illnesses — medical care and a portion of lost wages. Requirements vary by state, employer size, and industry.
Availability, eligibility, limits, exclusions, conditions and coverage terms vary by insurer, policy form, endorsement, jurisdiction and individual risk. This is general information, not insurance, legal or tax advice.
Explore Workers' Compensation →Protects against financial losses from employee theft, embezzlement, forgery, fraud, and robbery.
Protects against financial losses from employee theft, embezzlement, forgery, fraud, and robbery.
Availability, eligibility, limits, exclusions, conditions and coverage terms vary by insurer, policy form, endorsement, jurisdiction and individual risk. This is general information, not insurance, legal or tax advice.
Explore Commercial Crime →Coverage for allegations of abuse or molestation involving staff, volunteers, or program participants.
Responds when your organization is accused of failing to prevent abuse of someone in its care.
Availability, eligibility, limits, exclusions, conditions and coverage terms vary by insurer, policy form, endorsement, jurisdiction and individual risk. This is general information, not insurance, legal or tax advice.
Explore Abuse & Molestation Liability →Protects your organization when staff or volunteers drive their own or rented vehicles for you.
Covers your organization's liability when someone drives a personal or rented vehicle on your behalf.
Availability, eligibility, limits, exclusions, conditions and coverage terms vary by insurer, policy form, endorsement, jurisdiction and individual risk. This is general information, not insurance, legal or tax advice.
Explore Hired & Non-Owned Auto Liability →Extra liability limits that sit above your existing policies when a large claim exhausts them.
Adds another layer of protection when a serious claim runs past the limits you already carry.
Availability, eligibility, limits, exclusions, conditions and coverage terms vary by insurer, policy form, endorsement, jurisdiction and individual risk. This is general information, not insurance, legal or tax advice.
Explore Umbrella / Excess Liability →Protects those who manage your retirement or benefit plans from personal liability for plan decisions.
Covers the people responsible for your employee benefit plans when their decisions are challenged.
Availability, eligibility, limits, exclusions, conditions and coverage terms vary by insurer, policy form, endorsement, jurisdiction and individual risk. This is general information, not insurance, legal or tax advice.
Explore Fiduciary Liability →Cost-effective bundle combining general liability and commercial property into a single, comprehensive policy.
Cost-effective bundle combining General Liability and Commercial Property into one comprehensive package.
Availability, eligibility, limits, exclusions, conditions and coverage terms vary by insurer, policy form, endorsement, jurisdiction and individual risk. This is general information, not insurance, legal or tax advice.
Explore Business Owners Policy (BOP) →